Policygenius Logo

Policygenius

star star star star star

7.6

Overall Score

LAST UPDATED: July 6th, 2024

Policygenius makes insurance shopping and buying easier for shoppers. You can start the quote process online and receive assistance comparing policies from multiple top insurers for term, whole, and universal life insurance. Once you identify a policy that looks like a good fit, you can work with a Policygenius agent will help you through the application and underwriting process.

If you're looking for an easier way to buy life insurance, Policygenius is a great company to work with.

thumb_up

The Good

  • Easy to Use
  • Realistic Quotes
  • Work with a Licensed Agent
  • Policies from Reliable Insurers
  • Transparency
  • Additional Insurance Products Available

Easy to Use

Policygenius's platform makes buying life insurance simple. You start by providing some information about yourself, including contact information. Then, a Policygenius representative will help you compare policies and quotes from multiple insurers.  When you find a good fit, Policygenius will help you through the application process. This assistance is especially nice because insurance can be confusing.

Realistic Quotes

Policygenius focuses on providing realistic quotes. It keeps pricing updated with current rates charged by the life insurers it works with. Life insurers file their rates with the government each year, so the quotes you'll receive through Policygenius aren't different from what you would find anywhere else. The advantage is the ability to quickly compare across companies.

Policygenius also only quotes life insurance rates after you've provided some underwriting information like gender, age, and health history. While some may find it frustrating to provide some information before seeing a quote, this process ensures that Policygenius is showing you realistic quotes. The underwriting process determines what your monthly premium is, and some of the biggest determining factors are gender, age, and health.

Because of these efforts, most of Policygenius's quotes are within $10 of the actual premium determined through the application and underwriting process. Comparing rates through Policygenius gives you a reliable sense of what your insurance cost will be after you've been approved.

Policies from Reliable Insurers

Policygenius only works with insurers that have received at least A- financial strength ratings. These financial strength ratings indicate that the insurer manages its finances and investments well, which means it is likely to be able to meet its claims obligations. You don't want to be in a situation where your beneficiaries make a claim that the insurance provider can't pay.

Because Policygenius only works with the top insurers, you don't have to vet insurance companies yourself. All you have to do is compare insurance options to find the best fit for you.

Work with a Licensed Agent

Policygenius's representatives are licensed agents. If you have questions or need guidance, you can get help from an agent familiar with life insurance.

Policygenius's agents are also salaried, which means you don't have to worry about your agent pushing a sale because they earn commission. The ability to work with knowledgeable agents who aren't going to push policies based on commission is a great benefit of working with Policygenius.

Transparency

Policygenius is transparent about how it earns money and does business. Its services are free to clients because Policygenius is paid commissions by the insurers it works with for the policies it sells.

If you want to know what commissions are for the policy options you're considering, Policygenius representatives will share that information with you upon request.

Transparency builds trust, so Policygenius's commitment to transparent business practices shows it's a trustworthy company.

Additional Insurance Products Available

Policygenius isn't solely focused on the life insurance industry. If you need to buy other kinds of insurance, you can also purchase health insurance, car insurance, disability insurance, home insurance, and more online. Policygenius is a great one-stop-shop if you need multiple kinds of insurance.

Visit Site

thumb_down

The Bad

  • Contact Information Required for Quote
  • Doesn't Work with All Life Insurers
  • Quotes May Differ from Actual Premium

Contact Information Required for Quote

Before you receive quotes, you'll have to provide your contact information. This can be frustrating if you're in the research stages or prefer a fully online experience. However, it can be beneficial to work directly with a Policygenius expert as you consider options and navigate the life insurance application process.

Doesn't Work with All Life Insurers

Policygenius doesn't work with all life insurers. Some insurers may not work with third-party brokers, which means you could not buy one of their policies through Policygenius.

Policygenius also only works with top life insurers, which means you can trust that you're buying a policy from a reliable life insurer.

If there's a particular life insurance company you'd like to buy from, you may want to work with them directly. However, if you don't have a strong preference, Policygenius shows policies from high quality insurers and has the added benefit of easily comparing policies and pricing across insurers. This way, you can choose your insurance carrier based on the coverage and rates it offers.

Quotes May Differ from Actual Premium

If you work with Policygenius, keep in mind that your insurance quote may be different from the actual premium you see when you apply.

While most often a Policygenius quote will be close to the actual premium, some applicants may see a bigger difference between the quote and actual price.

Keeping in mind that the actual premium rate may differ due to a more thorough underwriting process is important to keep in mind. If you have certain health conditions, like diabetes, you may want to consider policies from several insurers because some insurers underwrite certain conditions more favorably than others. The more favorable the underwriting, the lower your monthly premium.

gavel

The Bottom Line

If you're looking to buy life insurance online from a trusted company, Policygenius is a great company to work with. You can buy term, whole, or universal life insurance through Policygenius 's platform.

You'll have to provide contact information to receive quotes. Although disappointing for those preferring a fully online experience, you'll benefit from working with a Policygenius expert.

Keep in mind that your initial Policygenius quote will most likely be fairly close to your actual premium. However, there may be some cases where the quoted premium differs more significantly from the actual one when the insurer completes its underwriting process.

If you have health concerns, remember that some insurers treat certain health conditions more favorably than other insurers in the underwriting process. Learn more about each insurer's underwriting process to understand which insurers are best for you.

Through Policygenius, you can also work with a licensed agent who will help you through the application process. This service is complimentary to you. It's nice to have agents who can help you understand insurance and complete the application process.

If you have other insurance needs, you can work with Policygenius to buy health, disability, homeowner's insurance and more. This range of offerings makes Policygenius a convenient one-stop-shop for your insurance needs.

Whatever you're looking for in life insurance, Policygenius is a great tool for researching, applying, and buying a life insurance policy.

Was this content helpful?
thumb_up Yes thumb_down No

Star Rating

info

4.9

star star star star star

65 Reviews

Review Breakdown

5 grade

95%

4 grade

3%

3 grade

0%

2 grade

0%

1 grade

2%

Sentiment Criteria

Value

star star star star star_half

Quality

star star star star star

Service

star star star star star

Trustworthiness

star star star star star
cancel

Filter by:

arrow_drop_down

Sort by:

arrow_drop_down
info
check_circle

Review Source

star star star star star

JL Hochstein Richmond Hill, GA

Policygenius found us the best term life insurance coverage for the best premium. Period. The process was straightforward, and communication was fantastic at each step. This is the third time my wife and I have tried to get life insurance; our situation as expats in the US made the process complicated or impossible with the other brokers. Policygenius told us they would find a solution and they did. I would highly recommend them to anyone looking for good life insurance without the redtape.

11 months ago

star star star star star

Jaime Plourde Brunswick, ME

I am a stay at home mom. I wasn’t totally sure I needed coverage (because I don’t make any money!) and even if I did need coverage I had no idea how much coverage I would need. Policygenius was SO HELPFUL and easy right from the beginning. They helped me find a coverage over the phone and worked with me through email and text to find the lowest price while considering my health history, travel (did you know travel..during a pandemic.. can affect who you can get coverage with?!) Because I surely did not! But my policygenius guy did! I have already recommended to extended family and used policygenius to get my husband coverage too.

3 years ago

star star star star star

SeanB San Diego, CA

During these difficult times with Covid-19 and what's going on, I felt the need to make sure my family was taken care of. I picked up the phone and called a bunch of the name brand companies, but was completely disappointed with their pricing and customer service; they didn't listen to my needs. I found Policy Genius online and they were the complete opposite, they listened to my needs, were informative, and they kept me updated throughout the entire process, even letting me know when my policy was active! Kudos to the Policy Genius team for taking an industry and making it much better. I'm already telling everyone!

4 years ago

star star star star star

carol page Crittenden, KY

As a senior with no life insurance I realized that I was not responsible to my family. There are so many companies advertising insurance for seniors that this was such a great site to gather information. I spoke to a incredible and patient advisor who spent time with me going over my medical history and suggesting the right insurance company for my needs. I am so glad I contacted Policygenius. My mind is now at ease. Just be truthful with your information as they have knowledge of so many products to meet your specific needs.

1 year ago

check_circle

Review Source

star star star star star

Leisa Radosavljevic Lake Toxaway, NC

I had been searching for a small life insurance policy to cover expenses when I die. I had cancer in 2015 and many companies wouldn’t touch me or only offered term life. I am very fortunate to have connected with this company. They insured me and offered full life insurance. The premium is very reasonable and I can know that my daughter will not have to use her money to take care of my expenses. Thank you

2 years ago

star star star star star

Ro Laboure San Antonio, TX

You make everything just a bit easier. Your company and staff are very professional. We feel more at ease that we are now protected. From working with Jamison to all other members, you truly brought a sense of calmness and assured us you would do everything possible to get us the protection we were looking for, you came through for us. Thank you so much!

2 years ago

check_circle

Review Source

star star star star star

Joseph Meert Gainesville, FL

We were looking to replace a term life insurance policy with increasing premiums by the year. I'm glad I clicked on policy genius. The underwriting was fast, efficient and is going to save us thousands of dollars over the 20 year life of the policy. It was incredibly easy and transparent. The final quote even came in slightly under the original.

3 years ago

star star star star star

Anna Johnson Charlotte, NC

I used Policygenius to get term life insurance. It was super easy and I couldn't be happier with the results. I filled out a brief form and then received an email and text message to answer additional questions. They found a low rate for me and then were excellent with any questions I had. I had to call them twice and there was virtually no wait to speak with a rep, and the customer service reps were excellent (super friendly, professional, and helpful). I can definitely see us using Policygenius again.

4 years ago

check_circle

Review Source

star star star star star

Kathy Pita

I like that they kept me abreast the whole way through the process. I always knew what I needed to do so that I could do this in a timely manner.

4 months ago

check_circle

Review Source

star star star star star

Derek Miranda Portland, OR

I set out on what was going to be a daunting task. Thankfully policy genius really helped me navigate and find the best policy for me. They were available for any questions and helped me to understand what I was getting into.

1 year ago

star star star star star

Ron Chardon, OH

Policygenuis was able to find a policy at a reasonable cost. It took the underwriter over a month for approval based on medical history, but Policygenius kept me informed during the entire time. Any questions that I had they promptly answered. aGood customer service. I

2 years ago

star star star star star

Adrian Lastra North Brunswick, NJ

It was an awesome experience using Policygenius, they found the perfect match for my life insurance and helped me through the process of getting the right product at a very reasonable price. They kept me in the loop with the insurance company needs and helped make sure they received everything they needed from my end. Highly recommend them.

2 years ago

check_circle

Review Source

star star star star star

P. Johnson Los Angeles, CA

Professional, good communication, good follow-up. Working with Policygenius was a very good experience. Had issues with the first insurer, but the Policygenius team was there all the way, identifying another insurer and walking us through the process. Was not a perfect experience, but the end result was worth the effort.

2 years ago

check_circle

Review Source

star star star star star

Erick H. Warsaw, NY

I was turned down for a term life insurance policy due to financial reasons (poor people can’t have life insurance). But the advisor at PolicyGenius immediately knew of an insurance policy that doesn’t evaluate your finances. They also helped coordinate the at home appointment for a medical exam. Now I have life insurance.

2 years ago

star star star star star

Rob&Chris ,

We were really pleased with the entire process. The agents were attentive, but not pushy, and ultimately our premium was quite a bit better than they initially quoted. It’s not very often that something like buying insurance is a “pleasant surprise”, but that’s exactly what our experience was with Policy Genius. I highly recommend them!

3 years ago

star star star star star

Robert Smith Redondo Beach, CA

Finally a service to simplify important but complex tasks. Policy Genius offers just the right balance between online and personal service, always using the fastest method for each step. Easy to work through, and great cost comparisons as well.

4 years ago

star star star star star

Grace D Hollywood, FL

Policygenius made obtaining life insurance easy, simple and satisfying. From beginning to end the process was smooth, communication was extremely professional, and pleasantly surprising processing time. I would definitely be recommending Policygenius to my friends and family. You will not be disappointed.

4 years ago

check_circle

Review Source

star star star star star

Joann Pares Teaneck, NJ

Anyone who answered the phone was polite and professional. This whole process was easy. I was very surprised. And there was no agent breathing down my neck with phone calls to sign up.

1 year ago

check_circle

Review Source

star star star star star

David Kufeld Jerusalem, JM

Policygenius stayed with me patiently until my new term life policy was approved and activated - and it made a very positive difference in my life, and my ability to rest assured about a very important matter.

1 year ago

star star star star star

Anthony Pruitt Birmingham, AL

Very professional always stayed in contact let me know what was going on anything any questions I needed to ask they answered I would recommend 100%. Thank you very much sincerely ACP

2 years ago

check_circle

Review Source

star star star star star

Diana Vo Blacklick, OH

very responsive agents with timely updates. no one coerced me into any policy. it felt more as though the agents all educated me about the insurance options which helped me make my own decision.

2 years ago

check_circle

Review Source

star star star star star

Brent Heibner Prior Lake, MN

Excellent customer service and friendly and professional staff. Very easy to work with and provided me with helpful reminders and regular updates throughout my application process. Highly recommend!

2 years ago

check_circle

Review Source

star star star star star

John Hamilton Naperville, IL

Really straight forward. No nonsense. No more effort than I would expect at a minimum. Seemingly fair prices. Questionnaire and discussing with primary care physician was all that was needed - no physical: convenient!

2 years ago

check_circle

Review Source

star star star star star

Harish Singh Lincoln, NE

Very strong advocacy on my behalf, until I was finally covered. Great experience, highly recommend. Customer service is GREAT! They answer with short wait times and THEY DON’T OUTSOURCE their call centers!!

2 years ago

check_circle

Review Source

star star star star star

Serge Bagi Sacramento, CA

The policygenius process to contract with a life insurance company was very smooth and transparent. They were very patient with me even when I took my time to review and think about the contract.

3 years ago

star star star star star

L J Chicago, IL

Pretty simple process once I connected with an agent. They handled everything from the initial screening to the nurses visit to my home. They are also always available to speak when I had questions.

3 years ago

star star star star star

Troy Hamden, CT

Policy genius goes above and beyond to find you the best possible policy,if you dont understand something in the policy they help to interpret the policy or get someone that can

3 years ago

star star star star star

Stacey P Gordon Fort Lauderdale, FL

I had a great experience with your company. Everyone was friendly and they kept me updated about the application process. You offered the best rate out of all other companies I contacted. Would definitely recommend.

3 years ago

check_circle

Review Source

star star star star star

Crystal Szogi Apollo, PA

No wait time on phone, simple phone identity verification. Always friendly, polite, and helpful. Quick. Always answered my questions and concerns. Kept me updated.

3 years ago

star star star star star

Greg Grokowsky Ettrick, WI

A trusted financial friend recommended Policygenius and I am glad I listened. The process was quick and efficient with excellent communication throughout. Great experience!

3 years ago

star star star star star

Judy Dunn Savannah, GA

They made the process so much easier than having to answer the same questions over and over when I search myself. They helped me find a good policy with a great price.

3 years ago

star star star star star

Jon Monroe Plymouth, MI

Policygenius process of getting term life insurance was easy and straightforward. They did a great job finding a competitive rate and shepherding me through the process.

3 years ago

star star star star star

Audrianna Pullen Norcross, GA

I am very happy with the choices I was given for life insurance. Your team made it extremely easy to compare the choices and select the the best one for me!

4 years ago

check_circle

Review Source

star star star star star

Pam Parry Vienna, VA

It was super easy and fast to get life insurance. I got it at a way cheaper rate than a private consultant could offer. It was so fast an easy to make it happen I hardly had to lift a finger to get insured.

4 years ago

check_circle

Review Source

star star star star star

Nira Sheppard Panama City, 8

It was easy and the agent had knowledge about what products may be best for me based on my health conditions and motivation for insurance.

1 year ago

check_circle

Review Source

star star star star star

Patti Smith Eau Claire, WI

The process was fairly easy. Everyone I spoke with were all very nice. Intake was easy, detailed and customer service was great

2 years ago

check_circle

Review Source

star star star star star

Michfan Oklahoma City, OK

The ease of use and communication was above and beyond. When I couldn’t get to something right away, there was zero pressure.

2 years ago

check_circle

Review Source

star star star star star

Dustin Kress Denver, CO

PG found me a policy when I struggled elsewhere. Extremely efficient process, good outcome and great service along the way

2 years ago

star star star star star

michael shank Los Angeles, CA

The whole process was so easy from start to finish. Everyone I dealt with was so nice and professional. Very affordable rates.

2 years ago

star star star star star

Jim Sherlock North Augusta, SC

They go the extra mile and communicate with the underwriters to help you get through any hurdle that might come up in the process

3 years ago

star star star star star

Timothy San Pablo, CA

Excellent person to person customer service. The Policy Genius team helped me to navigate my complex insurance situation with elegance and grace.

4 years ago

star star star star star

Patrick Biller DeKalb, IL

This service is saving us a ton of money, is virtually hassle-free, and comes complete with prompt and friendly interactions with real people.

4 years ago

star star star star star_border

Garry Graham Honolulu, HI

Very polite and courteous. They helped me through the whole process and offered suggestions to pull it all together. It would not have happened without their help.

4 years ago

star star star star star

Remy Cruz San Luis Obispo, CA

Very easy and smooth experience. Staff was committed and on top of things. I would recommend others to use Policy Genius.

4 years ago

check_circle

Review Source

star star star star star_border

David Swenson Saint Paul, MN

Amazing resource for searching and finding competitive life Insurance rates. I was slightly annoyed by phone calls I received to sell me, but I guess that is what you sign up for when you click on a bunch of quotes.

2 years ago

check_circle

Review Source

star star star star star

Paige Ellis Slade Gilbert, AZ

Policygenius is a little addicting. We actually have changed our life insurance three times because I kept on finding and qualifying for better deals.

3 years ago

star star star star star

Damien Chaptinel New York, NY

The process was easy, and it did save me money. Coverage is provided by known insurances . Highly recommend.

3 years ago

star star star star star

Aaron Wilkins Martinez, CA

Kept me informed every step of the application process. No surprises. High recommend the Policygenius service!

3 years ago

check_circle

Review Source

star star star star star

Edith Castillo CA

Agent was very knowledgeable, keeping informed every step of the way.

9 months ago

star star_border star_border star_border star_border

James Coraopolis, PA

NOt good experience at all. Their site provided fake quotes based on my health information I gave them. They gave me a fake quote that was not inidicative of what rates I'd actually receive

2 years ago